Kelsey National has compiled an extensive library of articles pertaining to many facets of the insurance industry. These articles are updated frequently and we have chosen a number of articles that we feel would be very beneficial reading. Please visit this section regularly to find out about both basic insurance information and the latest insurance trends.

HSA's to dominate small business marketplace

They say President Bush's proposal to expand tax breaks for HSAs would accelerate a trend as small businesses look for relief from years of double-digit premium hikes for traditional insurance.

HSAs are tax-free accounts individuals can use to pay for routine medical expenses.

They must be combined with a high-deductible health insurance policy. Unused money in HSAs can be rolled over from year to year.

Employers can contribute to their employees' HSAs, and many small businesses are replacing conventional insurance with high-deductible plans coupled with HSAs.